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homeThe rain, snow and cold weather has arrived.  It is time to shop for new winter clothes, time to consider how to protect your home from the winter conditions that are fast approaching.  With temperatures falling and meteorologists predicting a colder than normal winter, the easiest and most cost efficient way to keep your home’s heat inside, while keeping your heating bill respectable, is to add fresh insulation to your attic, ceilings, basement, and walls. 

Time For Home Insurance Check Up

Let us provide you with an insurance check-up to make sure you have the best possible coverage. We have many ways to save you money on your homeowner’s insurance.  We can also determine if you have the right homeonwers insurance for your individual needs.

The following is a checklist for what homeowners ought to be doing when prepping for the cold season.  Stick to it, and you're sure to have a warmer and more relaxed winter experience (scraping and digging out your car notwithstanding).

·         Reverse ceiling fan rotation

·         Inspect your furnace and replace filters

·         Insulate water pipes

·         Turn off all outside water and sprinklers

·         Clean wood stoves and chimney’s

·         Install window insulators

·         Store summer tools and prep winter ones

·         Get a programmable thermostat

·         Make sure you caulk or repair and replace any siding that is failing

·         Stock up on emergency supplies

·         It's always wise to provide an outside air supply for combustion appliances like gas stoves and furnaces. You may need a professional to check this for you

·         Make sure your recreation vehicles get the same care as your home

·         Seal cracks in windows, doors, foundations, and ducts

·         Replace batteries in smoke detectors

·         Clean gutters

·         Add insulation where needed

·         Check for leaks in gutters, windows and roofs

·         Cut shrubs away from your home


Alternatives Insurance® Agency was established in St Louis County in the fall of 1992 .  Throughout the remainder of 1990's and through the millennium, additional locations were opened in order to service North and West St Louis, Saint Charles and Jefferson Counties.  The demand for our products continued to increase motivating the partners of the organization to develop a business model in an effort to continue the growth and success without losing our superior customer service values.       
In 2004,  Alternatives Insurance® Group was formed as an agency membership organization.  Each Alternatives Insurance® location is successfully operated and managed by an individual committed to you, our client.  In most cases, the manager owns the local St Louis metro area agency location.   As Alternatives Insurance® Group members, the managers understand success is based entirely on your satisfaction.   The Alternatives Insurance® Group, along with our insurance carriers and affiliates, provide the necessary tools and products allowing each member to focus on developing a coverage package tailored specifically for  your needs.

Our full line of products now include automobile, homeowners, watercraft, motorcycle, recreational vehicles, life, health, and commercial markets for every need.  Our national and regional insurance carrier partners include AAA, Travelers, Safeco, The Hartford, Chubb, Progressive, EMC, Madison Mutual, Kemper Preferred, West Bend and dozens more.   Whether you are a single person starting out in the real world or a retired empty nester, we offer the necessary products to fit you.  

Contact your local Alternatives Insurance®  location to learn more.    

Posted 6:13 PM

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